🕷️ Crawler Inspector

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Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 165 (from laksa092)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa165.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.flagstar.com/personal/learn/learning-hub/budgeting-and-savings/money-saving-tips.html\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.flagstar.com/personal/learn/learning-hub/budgeting-and-savings/money-saving-tips.html\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/budgeting-and-savings\/money-saving-tips.html","crawl_time":1775250024,"first_indexed_time":1708453642,"http_code":200,"src_unparsed":"com,flagstar!www,\/personal\/learn\/learning-hub\/budgeting-and-savings\/money-saving-tips.html s443","src_root_hash":"15314338170588263565","history_drop_reason":null,"meta_title":"Money Saving Tips: Ways to Save Money | Flagstar","meta_descriptions":["No matter what your budget is, there are always different ways to save money. Start working towards your future with these budgeting tips from Flagstar."],"attrs_boilerpipe_text":"No matter where you are on your financial journey, it’s important to have money saved away.\nAt Flagstar Bank, we want you to feel empowered and capable of reaching your financial goals. Below are a few tips we’ve compiled to help you get started.\nWhy Budget?\nFor many people, budgets are essential to keeping track of finances, paying down debts, and saving for the future. Crafting a budget can give you needed insight into spending patterns, so you can more effectively utilize your hard-earned income. It can also serve as a money saving plan, which ensures you only spend on what you need, so you can save the rest for a larger purchase, retirement, or an unplanned emergency expense.\nHow to Make a Budget\nWhile there are many kinds of \nbudgeting programs, books, and methods available, each involves a few key components. Every budget must involve your income—all of it, including side businesses and gigs—and your expenses.\nGetting Started: Five Ways to Budget\nBelow is a list of a few of the most common budgeting methods. However, every person’s preferred method of budgeting is different; it may be necessary to experiment with different techniques to find what works best for you.\nManual:\n \nWrite down each transaction to weigh against your bank account. Some people use a dedicated notebook, others create a digital spreadsheet.\nEnvelopes: \nLabel a series of envelopes with each category of expenses. Then, place an amount of cash in the envelope. When the cash runs out, so does your spending.\n50 30 20 rule: This method suggests that 50% of your income should go to needs, 30% to wants, and 20% to repaying debt and\/or savings.\nZero-sum budget:\n This method relies on every single cent being assigned to a certain expenditure, zeroing out your account each month.\nApplications:\n \nMany apps make it easy for you to track spending. Some even draw up specific budgeting techniques, while others simply categorize and track for you.\nA Few Money Saving Tips\nOnce you’ve set your budget, there are other complementary ways to save money that can help boost your saving power. Here are five to get the ball rolling.\nInvestigate bills:\n \nPaying for three streaming services but only use one? Signed up for that newsletter you never read? Cancel unnecessary subscriptions to ensure you’re only spending on what’s important.\nUse cash for problem categories:\n \nResearch\n from a study at the Massachusetts Institute of Technology showed that shoppers spend twice as much when using credit cards.\n1\n If you find yourself constantly overshooting your grocery budget, try withdrawing a set amount of cash for the month to use.\nBudget billing:\n Many utility companies offer \na\nbudget billing option\n,\n2\n which averages your bill based on the past year’s usage to create a fixed monthly payment. Not only will you know exactly what you’re paying each month, but you’ll potentially save on heating and cooling costs at peak season.\nAutomate your savings:\n Many payroll services offer direct deposit across multiple accounts, including savings. This means you can set aside your savings before you even have the chance to spend. Check with your employer to see what’s available.\nKeep at it:\n If you’re struggling to stay committed, you may need to reevaluate your mindset or method. Remember that budgets are designed to work with you—not against you—so don’t be afraid to be flexible and change things up until you find what works best for you.\nNo matter what you’re saving for, we’re in your corner.\nAt Flagstar Bank, you’ll have a banker by your side to guide you in any saving endeavor. We can tailor your money budget to your needs, and provide money saving tips you may not discover on your own.\nFind a branch\n or \nLearn more about saving with Flagstar","attrs_markdown":"[Skip to main content](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/budgeting-and-savings\/money-saving-tips.html#main)\n\n![FDIC Logo](https:\/\/www.flagstar.com\/content\/experience-fragments\/newco\/en\/site\/fdic-banner\/master\/_jcr_content\/root\/container\/flexcontainer\/flexItems\/image_30922929.coreimg.png\/1747330351295\/fdic-logo.png)\n\n*FDIC-Insured—Backed by the full faith and credit of the U.S. Government*\n\nBack\n\n- [About Us](https:\/\/www.flagstar.com\/about-flagstar.html)\n- [Careers](https:\/\/careers.flagstar.com\/)\n\n- [Personal](https:\/\/www.flagstar.com\/)\n  - Bank\n    - Checking & Savings\n      - [Checking Accounts](https:\/\/www.flagstar.com\/personal\/bank\/checking.html)\n      - [Savings Accounts](https:\/\/www.flagstar.com\/personal\/bank\/savings.html)\n      - 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Checking & Savings\n      - [Checking Accounts](https:\/\/www.flagstar.com\/personal\/bank\/checking.html)\n      - [Savings Accounts](https:\/\/www.flagstar.com\/personal\/bank\/savings.html)\n      - [Money Market Accounts](https:\/\/www.flagstar.com\/personal\/bank\/savings\/flagstar-money-market.html)\n      - [Certificates of Deposit (CDs)](https:\/\/www.flagstar.com\/personal\/bank\/savings\/certificate-of-deposit-accounts.html)\n      - [IRA and Educational Savings Accounts](https:\/\/www.flagstar.com\/personal\/bank\/retirement-accounts.html)\n    \n    - Debit & Credit Cards\n      - [Flagstar Visa® Debit Card](https:\/\/www.flagstar.com\/personal\/bank\/checking\/debit-cards.html)\n      - [Flagstar Visa® Credit Cards](https:\/\/www.flagstar.com\/personal\/bank\/credit-cards.html)\n    \n    - Ways to Bank\n      - [Mobile App](https:\/\/www.flagstar.com\/personal\/bank\/ways-to-bank\/mobile-app.html)\n      - [Online Banking](https:\/\/www.flagstar.com\/personal\/bank\/ways-to-bank\/online-banking.html)\n      - [Digital Payments](https:\/\/www.flagstar.com\/personal\/bank\/ways-to-bank\/digital-payments.html)\n      - [Branches & ATMs](https:\/\/www.flagstar.com\/location.html)\n  - Borrow\n    \n    Lending solutions for what's next\n    \n    Buying a new home or taking some cash out, we’re here to help you every step of the way.\n    \n    [Explore home loans](https:\/\/www.flagstar.com\/personal\/borrow\/home-loans.html)\n    \n    ![House with a key attached](https:\/\/www.flagstar.com\/content\/dam\/newco\/global-navigation-icons\/icon-card_buy-a-home.svg)\n    \n    Buy a Home or Refinance\n    \n    ![House with an arrow pointing right](https:\/\/www.flagstar.com\/content\/dam\/newco\/global-navigation-icons\/icon-card_get-cash.svg)\n    \n    Get Cash From Your Home\n    \n    ![a vehicle with dollar sign](https:\/\/www.flagstar.com\/content\/dam\/newco\/global-navigation-icons\/icon-card_purchase-a-vehicle.svg)\n    \n    Purchase a Vehicle\n    \n    - Buy a Home or Refinance\n      - [Buy a Home](https:\/\/www.flagstar.com\/personal\/borrow\/home-loans\/purchase-home.html)\n      - [Refinance a Home](https:\/\/www.flagstar.com\/personal\/borrow\/home-loans\/refinance.html)\n      - [Mortgage Resources](https:\/\/www.flagstar.com\/personal\/borrow\/home-loans\/home-loan-resources.html)\n    \n    - Get Cash From Your Home\n      - [Cash-Out Refinance](https:\/\/www.flagstar.com\/personal\/borrow\/home-loans\/refinance.html)\n      - [Home Equity Line of Credit](https:\/\/www.flagstar.com\/personal\/borrow\/home-loans\/home-equity-solutions\/heloc.html)\n    \n    - Purchase a Vehicle\n      - [View Loan Options](https:\/\/www.flagstar.com\/personal\/borrow\/personal-loans.html)\n  - Invest\n    \n    Flagstar Wealth Services\n    \n    Empowering you to make optimal financial decisions for yourself and your family.\n    \n    [Learn more](https:\/\/www.flagstar.com\/personal\/invest\/about-flagstar-wealth-services.html)\n    \n    [FINRA Broker Check](http:\/\/brokercheck.finra.org\/?\/sb)\n    \n    ![employee talking to client](https:\/\/www.flagstar.com\/content\/dam\/newco\/global-navigation-icons\/icon-card_flagstar-wealth-services.svg)\n    \n    Flagstar Wealth Services\n    \n    ![pie chart with a dollar sign in the middle](https:\/\/www.flagstar.com\/content\/dam\/newco\/global-navigation-icons\/icon-card_financial-solutions.svg)\n    \n    Financial Solutions\n    \n    ![computer screen with dollar sign](https:\/\/www.flagstar.com\/content\/dam\/newco\/small-business\/icons\/icon-card_online-banking.svg)\n    \n    LPL Account Access\n    \n    - Flagstar Wealth Services\n      - [Client Missions](https:\/\/www.flagstar.com\/personal\/invest\/mission.html)\n      - [Guiding Process](https:\/\/www.flagstar.com\/personal\/invest\/our-process.html)\n      - [Our Services](https:\/\/www.flagstar.com\/personal\/invest\/our-services.html)\n      - [About Flagstar Wealth Services](https:\/\/www.flagstar.com\/personal\/invest\/about-flagstar-wealth-services.html)\n    \n    - Financial Solutions\n      - [Financial Planning](https:\/\/www.flagstar.com\/personal\/invest\/financial-planning.html)\n      - [Investment Management](https:\/\/www.flagstar.com\/personal\/invest\/investment-management.html)\n      - [Insurance Strategies](https:\/\/www.flagstar.com\/personal\/invest\/insurance-strategies.html)\n    \n    - LPL Account Access\n      - [MyAccountView](https:\/\/myaccountviewonline.com\/)\n      - [TradeDirect](https:\/\/www.flagstar.com\/redirects\/tp\/trade-direct.html)\n    \n    \\*Investment products are not insured by the FDIC, are not deposits, and may lose value\n  - Learn\n    \n    Let's be smarter with money\n    \n    Making good choices starts with knowing the basics and crunching the numbers.\n    \n    [Learn more](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub.html)\n    \n    ![Person looking at chart](https:\/\/www.flagstar.com\/content\/dam\/newco\/global-navigation-icons\/icon-card_insights.svg)\n    \n    Insights & Articles\n    \n    ![Calculator](https:\/\/www.flagstar.com\/content\/dam\/newco\/global-navigation-icons\/icon-card_tools-calculators.svg)\n    \n    Tools & Calculators\n    \n    ![monitor with a play button](https:\/\/www.flagstar.com\/content\/dam\/newco\/global-navigation-icons\/icon-card_how-to-guides.svg)\n    \n    How-to Guides\n    \n    - Insights & Articles\n      - [Home Buying and Refinancing](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/home-buying-or-refinancing.html)\n      - [Protecting Your Finances](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/protecting-your-finances.html)\n      - [Budgeting and Saving](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/budgeting-and-savings.html)\n      - [Borrowing and Debt Reduction](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/borrowing-and-debt-reduction.html)\n      - [**View all articles**](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub.html)\n    \n    - Tools & Calculators\n      - [Budgeting](https:\/\/www.flagstar.com\/personal\/learn\/calculators\/budget.html)\n      - [Savings](https:\/\/www.flagstar.com\/personal\/learn\/calculators\/savings.html)\n      - [Mortgage](https:\/\/www.flagstar.com\/personal\/learn\/calculators\/mortgage.html)\n      - [Home Equity](https:\/\/www.flagstar.com\/personal\/learn\/calculators\/home-equity.html)\n      - [Retirement](https:\/\/www.flagstar.com\/personal\/learn\/calculators\/retirement.html)\n      - [**View all tools & calculators**](https:\/\/www.flagstar.com\/personal\/learn\/calculators.html)\n    \n    - How-to Guides\n      - [Online Banking](https:\/\/www.flagstar.com\/personal\/help\/support\/online-banking-demos.html)\n      - [Mobile Banking](https:\/\/www.flagstar.com\/personal\/help\/support\/mobile-banking-demos.html)\n      - [**View all how-to guides**](https:\/\/www.flagstar.com\/customer-support.html#demos)\n  - Help\n    \n    Having trouble?   \n     Get help here\n    \n    Whatever you want to know, we’re here to help. Explore our FAQs to find answers fast.\n    \n    [Visit support](https:\/\/www.flagstar.com\/personal\/help\/support.html)\n    \n    ![circle with question mark](https:\/\/www.flagstar.com\/content\/dam\/newco\/global-navigation-icons\/icon-card_faqs.svg)\n    \n    Top FAQs\n    \n    ![Finger clicking a button](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/banking\/icons\/icon-card_sign-up.svg)\n    \n    Quick links\n    \n    ![Shield with a checkmark](https:\/\/www.flagstar.com\/content\/dam\/mbd\/images\/icons\/icon-shield+checkmark.svg)\n    \n    Security\n    \n    - Top FAQs\n      - [What is Flagstar Bank's ABA\/routing number?](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs\/banking-faqs.html#accordion-e646732a3e-item-06f9ba64aa)\n      - [Where can I find my account number?](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs\/banking-faqs.html#accordion-816cd9d0c5-item-660e623fb2)\n      - [How do I enroll for Online Banking?](https:\/\/www.flagstar.com\/personal\/help\/support\/online-banking-demos\/how-to-enroll-in-online-banking.html)\n      - [I'm having trouble logging in. What should I do?](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs\/online-and-mobile-banking-faqs.html#accordion-85b16c298c-item-9e8b9e8058)\n      - [My card was lost or stolen. Now what?](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs\/banking-faqs.html#accordion-4c73d26638-item-f08ee1ea66)\n      - [How can I find a branch near me?](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs\/banking-faqs.html#accordion-44a67ef74d-item-a2d65f2520)\n      - [How do I contact customer service by phone?](https:\/\/www.flagstar.com\/personal\/help\/support.html#contactus)\n      - [**View all FAQs**](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs.html)\n    \n    - Quick Links\n      - [Online Banking How-to Guides](https:\/\/www.flagstar.com\/personal\/help\/support\/online-banking-demos.html)\n      - [Mobile Banking How-to Guides](https:\/\/www.flagstar.com\/personal\/help\/support\/mobile-banking-demos.html)\n      - [Banking FAQs](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs\/banking-faqs.html)\n      - [Online Banking and Mobile App FAQS](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs\/online-and-mobile-banking-faqs.html)\n      - [Loans & Mortgages FAQs](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs\/home-loan-faqs.html)\n    \n    - Security\n      - [Fraud Information Center](https:\/\/www.flagstar.com\/fraud-information-center.html)\n      - [Keeping Your Account Secure](https:\/\/www.flagstar.com\/personal\/help\/security.html)\n      - [How to Report Fraud](https:\/\/www.flagstar.com\/fraud-information-center\/reporting-fraud.html)\n      - [How to Protect Yourself from Scams](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/protecting-your-finances\/fraud-alert-protect-yourself-from-scams.html)\n      - [How to Protect Your Debit and Credit Cards](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/protecting-your-finances\/how-to-protect-your-debit-and-credit-cards.html)\n- [Private Banking](https:\/\/www.flagstar.com\/private-bank.html)\n  - Our Expertise\n  - Client Solutions\n  - About Us\n- [Small Business](https:\/\/www.flagstar.com\/small-business.html)\n  - Bank\n  - Borrow\n  - Services\n- [Corporate & Commercial](https:\/\/www.flagstar.com\/corporate-and-commercial.html)\n  - Markets & Sectors\n  - Our Capabilities\n\nSearch\n\nLog In Close\n\nLock in a CD rate up to 3\\.80% APY1\n\nOpen your CD today and start your year of certainty.\n\n[Get started](https:\/\/www.flagstar.com\/personal\/bank\/savings\/certificate-of-deposit-accounts.html)\n\n![Two adults smiling and talking in front of a building with arched windows.](https:\/\/www.flagstar.com\/content\/experience-fragments\/newco\/en\/site\/login\/nav-third-party-links\/_jcr_content\/root\/login_copy\/par\/container_copy_copy_\/container_copy_66178\/flexcontainer_copy\/flexItems\/image.coreimg.jpeg\/1775062156388\/mega-menu-cd2-369x250.jpeg)\n\nRESOURCES\n\n[![play button](https:\/\/www.flagstar.com\/content\/dam\/newco\/customer-support\/icons\/play-button_video-demo.svg) Online Banking at a Glance](https:\/\/www.flagstar.com\/personal\/help\/support\/online-banking-demos\/online-banking-overview.html)\n\n[![play button](https:\/\/www.flagstar.com\/content\/dam\/newco\/customer-support\/icons\/play-button_video-demo.svg) How to reset your password](https:\/\/www.flagstar.com\/personal\/help\/support\/online-banking-demos\/how-to-reset-your-password.html)\n\n[![play button](https:\/\/www.flagstar.com\/content\/dam\/newco\/customer-support\/icons\/play-button_video-demo.svg) Get started with Bill Pay](https:\/\/www.flagstar.com\/personal\/help\/support\/online-banking-demos\/how-to-get-started-with-bill-pay.html)\n\nLock in a CD rate up to 3\\.80% APY1\n\nOpen your CD today and start your year of certainty.\n\n[Get started](https:\/\/www.flagstar.com\/personal\/bank\/savings\/certificate-of-deposit-accounts.html)\n\n![Two adults smiling and talking in front of a building with arched windows.](https:\/\/www.flagstar.com\/content\/experience-fragments\/newco\/en\/site\/login\/certificate-of-deposit\/_jcr_content\/root\/container_copy_copy_\/container_copy_661787170\/flexcontainer_copy_c\/flexItems\/image.coreimg.jpeg\/1775062156388\/mega-menu-cd2-369x250.jpeg)\n\nRESOURCES\n\n[![play button](https:\/\/www.flagstar.com\/content\/dam\/newco\/customer-support\/icons\/play-button_video-demo.svg) Online Banking at a Glance](https:\/\/www.flagstar.com\/personal\/help\/support\/online-banking-demos\/online-banking-overview.html)\n\n[![play button](https:\/\/www.flagstar.com\/content\/dam\/newco\/customer-support\/icons\/play-button_video-demo.svg) How to reset your password](https:\/\/www.flagstar.com\/personal\/help\/support\/online-banking-demos\/how-to-reset-your-password.html)\n\n[![play button](https:\/\/www.flagstar.com\/content\/dam\/newco\/customer-support\/icons\/play-button_video-demo.svg) Get started with Bill Pay](https:\/\/www.flagstar.com\/personal\/help\/support\/online-banking-demos\/how-to-get-started-with-bill-pay.html)\n\nRecommended for you\n\n[![Desktop and mobile phone with dollar signs](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/banking\/icons\/icon-card_convenient.svg) MyLoans at a glance Manage your loan at your convenience with our easy to use online service center.](https:\/\/www.flagstar.com\/personal\/borrow\/home-loans\/myloans.html)\n\n[![Finger pushing a button](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/banking\/icons\/icon-card_sign-up.svg) Sign-up for MyLoans Enroll today and enjoy 24\/7 access to all your loan servicing needs.](https:\/\/www.flagstar.com\/redirects\/tp\/myloans-sign-up.html)\n\nRecommended for you\n\n[![icon of credit card with a dollar sign](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/banking\/icons\/icon-card_no-overdraft-fees.svg) Credit Card Payment Calculator What will it take to pay off my credit card balance?](https:\/\/www.flagstar.com\/personal\/learn\/calculators\/debt\/credit-card-payoff.html)\n\n[![Icon of card overlaying phone](https:\/\/www.flagstar.com\/content\/dam\/newco\/icons\/icon-card_mobile-debit-card.svg) Explore Flagstar Ready Checking A checking account that is ready for whatever is around the corner.](https:\/\/www.flagstar.com\/personal\/bank\/checking\/ready-checking.html)\n\nRecommended for you\n\n[![Shield with money sign](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/investing\/icons\/icon-card_universal-life-insurance.svg) Looking for increased FDIC insurance coverage? Learn about getting increased FDIC insurance coverage in excess of the standard deposit insurance coverage.](https:\/\/www.flagstar.com\/private-bank\/client-solutions\/client-solutions\/deposit-insurance-services.html)\n\n[![Two hands shaking](https:\/\/www.flagstar.com\/content\/dam\/newco\/private-bank\/icons\/icon-card_connect.svg) Let's explore the possibilities Let's meet at your convenience to discuss how Private Bank can be a lifelong partner for your financial journey.](https:\/\/www.flagstar.com\/private-bank\/connect\/connect-with-us.html)\n\nRecommended for you\n\n[![Shield with money sign](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/investing\/icons\/icon-card_universal-life-insurance.svg) Looking for increased FDIC insurance coverage? Learn about getting increased FDIC insurance coverage in excess of the standard deposit insurance coverage.](https:\/\/www.flagstar.com\/private-bank\/client-solutions\/client-solutions\/deposit-insurance-services.html)\n\n[![Bag of money](https:\/\/www.flagstar.com\/content\/dam\/newco\/small-business\/icons\/icon-card_business-savings.svg) Save more with Business Solutions Savings Build your business savings here and be prepared for whatever comes your way.](https:\/\/www.flagstar.com\/small-business\/bank\/business-savings\/business-solutions-savings.html)\n\n[Flagstar Corporate Connect™ at a glance](https:\/\/www.flagstar.com\/small-business\/help\/small-business-support\/corporate-connect-demos\/corporate-connect-at-a-glance.html)\n\n[First-time Flagstar Corporate Connect™ login](https:\/\/www.flagstar.com\/small-business\/help\/small-business-support\/corporate-connect-demos\/first-time-logging-in-to-corporate-connect.html)\n\n[How-to set up ACH payments](https:\/\/www.flagstar.com\/small-business\/help\/small-business-support\/corporate-connect-demos\/setting-up-ach-payments.html)\n\nRecommended for you\n\n[![Shield with money sign](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/investing\/icons\/icon-card_universal-life-insurance.svg) Looking for increased FDIC insurance coverage? Learn about getting increased FDIC insurance coverage in excess of the standard deposit insurance coverage.](https:\/\/www.flagstar.com\/private-bank\/client-solutions\/client-solutions\/deposit-insurance-services.html)\n\n[![Megaphone icon](https:\/\/www.flagstar.com\/content\/dam\/newco\/commercial\/icons\/icon-card_online.svg) Manage your business finances on the go View accounts, book transfers, approve wires, deposit checks and more.](https:\/\/www.flagstar.com\/small-business\/services\/treasury-management\/corporate-connect.html)\n\n[Flagstar Corporate Connect™ at a glance](https:\/\/www.flagstar.com\/small-business\/help\/small-business-support\/corporate-connect-demos\/corporate-connect-at-a-glance.html)\n\n[First-time Flagstar Corporate Connect™ login](https:\/\/www.flagstar.com\/small-business\/help\/small-business-support\/corporate-connect-demos\/first-time-logging-in-to-corporate-connect.html)\n\n[How-to set up ACH payments](https:\/\/www.flagstar.com\/small-business\/help\/small-business-support\/corporate-connect-demos\/setting-up-ach-payments.html)\n\nRecommended for you\n\n[![Image of pie chart](https:\/\/www.flagstar.com\/content\/dam\/newco\/private-bank\/icons\/icon-card_financial-planning.svg) Financial Planning\\* We can work with you to organize your finances and help set in motion a plan to manage your wealth today and into the future.](https:\/\/www.flagstar.com\/personal\/invest\/financial-planning.html)\n\n[![customer talking with a banker](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/investing\/icons\/icon-card_investment-management.svg) Investment Management\\* Let us help you with risk management, portfolio diversification, asset preservation, and 401(k) transitions.](https:\/\/www.flagstar.com\/personal\/invest\/investment-management.html)\n\n\\*Investment products are not insured by the FDIC, are not deposits, and may lose value\n\nLog In\n\nAvailable accounts\n\nSelect...\n\n- Online Banking\n- MyLoans\n- Credit Card\n- Private Banking\n- Business Banking\n- Flagstar Corporate Connect™\n- LPL MyAccountView\n\nForgot [**Username**](https:\/\/www.flagstar.com\/redirects\/tp\/online-banking-forgot-username.html) or [**Password**](https:\/\/www.flagstar.com\/redirects\/tp\/online-banking-forgot-password.html)\n\n[**Sign Up**](https:\/\/www.flagstar.com\/redirects\/tp\/online-banking-sign-up.html)\n\n[Log In](https:\/\/www.myloans.net\/content\/myloans\/us\/en\/myloans\/login)\n\nForgot [**Username**](https:\/\/www.flagstar.com\/redirects\/tp\/myloans-forgot-username.html) or [**Password**](https:\/\/www.flagstar.com\/redirects\/tp\/myloans-forgot-password.html)\n\n[**Sign Up**](https:\/\/www.flagstar.com\/redirects\/tp\/myloans-sign-up.html) for MyLoans\n\n[Log In](https:\/\/auth.securebanklogin.com\/?brand=firstbankcard)\n\n**Who should use this:**\n\nFormer Signature Internet Banking Users\n\n[Log In](https:\/\/signatureny.ebanking-services.com\/eAM\/Credential\/Index?appId=beb&brand=signatureny)\n\nLog in to other banking services\n\n[**Remote Deposit Capture**](https:\/\/www.flagstar.com\/private-bank\/client-solutions\/remote-deposit-external.html)\n\n[**Remote Official Check**](https:\/\/roc.flagstar.com\/comp\/login.jsp)\n\n[**Lockbox Services**](https:\/\/www.fislbxcentral.com\/lms#\/)\n\nRTN\/ABA: 026013576\n\nSwift code: SIGNUS33\n\n**Who should use this:**\n\nFormer NYCB Business Banking Users\n\n[Log In](https:\/\/corporate-connect.flagstar.com\/smallbusiness)\n\n**Who should use this:**\n\nFlagstar Commercial and Small Business Users\n\n[Log In](https:\/\/corporate-connect.flagstar.com\/corporate)\n\n[Log In](https:\/\/accountview.lpl.com\/web\/login)\n\nClose\n\n## Before you go\nYou are about to leave flagstar.com and access a site administered by a third-party. The site you are going to may have different privacy and security policies. We recommend that you review these policies on the linked site. If you choose to proceed, a new browser window will open. To return to flagstar.com, close the new browser window.\n\n[Continue](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/budgeting-and-savings\/money-saving-tips.html)\n\n1. [Personal](https:\/\/www.flagstar.com\/)\n2. [Learn](https:\/\/www.flagstar.com\/personal\/learn.html)\n3. [Education and Tools](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub.html)\n4. [Budgeting and Saving](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/budgeting-and-savings.html)\n5. Budgeting Tips to Save Money\n\nBUDGETING AND SAVING\n\n# Budgeting tips to save money\n\n![Image of person sitting in kitchen with computer and hands behind head](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/budgeting-and-savings\/money-saving-tips\/_jcr_content\/root\/parsys\/container_776033217_\/container\/flexcontainer\/flexItems\/container\/image.coreimg.jpeg\/1750962312345\/hero-4-money-saving-tips.jpeg)\n\n## No matter where you are on your financial journey, it’s important to have money saved away.\nAt Flagstar Bank, we want you to feel empowered and capable of reaching your financial goals. Below are a few tips we’ve compiled to help you get started.\n\n##### Why Budget?\nFor many people, budgets are essential to keeping track of finances, paying down debts, and saving for the future. Crafting a budget can give you needed insight into spending patterns, so you can more effectively utilize your hard-earned income. It can also serve as a money saving plan, which ensures you only spend on what you need, so you can save the rest for a larger purchase, retirement, or an unplanned emergency expense.\n\n##### How to Make a Budget\nWhile there are many kinds of budgeting programs, books, and methods available, each involves a few key components. Every budget must involve your income—all of it, including side businesses and gigs—and your expenses.\n\n##### Getting Started: Five Ways to Budget\nBelow is a list of a few of the most common budgeting methods. However, every person’s preferred method of budgeting is different; it may be necessary to experiment with different techniques to find what works best for you.\n\n1. **Manual:**Write down each transaction to weigh against your bank account. Some people use a dedicated notebook, others create a digital spreadsheet.\n2. **Envelopes:** Label a series of envelopes with each category of expenses. Then, place an amount of cash in the envelope. When the cash runs out, so does your spending.\n3. 50 30 20 rule: This method suggests that 50% of your income should go to needs, 30% to wants, and 20% to repaying debt and\/or savings.\n4. **Zero-sum budget:** This method relies on every single cent being assigned to a certain expenditure, zeroing out your account each month.\n5. **Applications:**Many apps make it easy for you to track spending. Some even draw up specific budgeting techniques, while others simply categorize and track for you.\n##### A Few Money Saving Tips\nOnce you’ve set your budget, there are other complementary ways to save money that can help boost your saving power. Here are five to get the ball rolling.\n\n1. **Investigate bills:**Paying for three streaming services but only use one? Signed up for that newsletter you never read? Cancel unnecessary subscriptions to ensure you’re only spending on what’s important.\n2. **Use cash for problem categories:**[Research](http:\/\/www.usfinancialcapability.org\/downloads\/NFCS_2015_Report_Natl_Findings.pdf?\/sb) from a study at the Massachusetts Institute of Technology showed that shoppers spend twice as much when using credit cards.1 If you find yourself constantly overshooting your grocery budget, try withdrawing a set amount of cash for the month to use.\n3. **Budget billing:** Many utility companies offer [a]() [budget billing option](),2 which averages your bill based on the past year’s usage to create a fixed monthly payment. Not only will you know exactly what you’re paying each month, but you’ll potentially save on heating and cooling costs at peak season.\n4. **Automate your savings:** Many payroll services offer direct deposit across multiple accounts, including savings. This means you can set aside your savings before you even have the chance to spend. Check with your employer to see what’s available.\n5. **Keep at it:** If you’re struggling to stay committed, you may need to reevaluate your mindset or method. Remember that budgets are designed to work with you—not against you—so don’t be afraid to be flexible and change things up until you find what works best for you.\n##### No matter what you’re saving for, we’re in your corner.\nAt Flagstar Bank, you’ll have a banker by your side to guide you in any saving endeavor. We can tailor your money budget to your needs, and provide money saving tips you may not discover on your own.\n\n[Find a branch](https:\/\/www.flagstar.com\/location.html) or [Learn more about saving with Flagstar](https:\/\/www.flagstar.com\/personal\/bank\/savings.html)\n\n## Find the account that’s right for you\nCOMPARE\n\n![Mobile phone and check](https:\/\/www.flagstar.com\/content\/dam\/newco\/icons\/icon-card_mobile-check-deposit.svg)\n\n### **Savings Accounts**\n\nExplore our online savings account options and discover a simple way to grow your savings.\n\n[Compare now](https:\/\/www.flagstar.com\/personal\/bank\/savings.html)\n\nOPEN TODAY\n\n![Finger clicking](https:\/\/www.flagstar.com\/content\/dam\/newco\/global\/icons\/icon-card_easy-apply.svg)\n\n### **Open online**\n\nOpen an account in minutes with an initial deposit, a valid ID, and your SSN.\n\n[Open now](https:\/\/oao.flagstar.com\/flagstar\/oa)\n\n## You may also be interested in:\n[![Person on tablet with bank card](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/banking\/card-images\/card_checking.jpg) Checking Accounts Explore our personal checking account options to find the right fit for you.](https:\/\/www.flagstar.com\/personal\/bank\/checking.html)\n\n[![Two adults smiling and talking in front of a building with arched windows.](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/banking\/card-images\/card_12-month-cd.jpg) Earn up to 3.80% APY1 with a CD Explore our wide range of CD account terms that can help you earn more interest.](https:\/\/www.flagstar.com\/personal\/bank\/savings\/certificate-of-deposit-accounts.html)\n\n[![Banking customer in a cozy home setting using a tablet to access online banking services. Warm lighting and relaxed atmosphere highlight convenience and comfort of secure digital financial management from anywhere.](https:\/\/www.flagstar.com\/content\/dam\/newco\/personal\/banking\/card-images\/card_performance-savings9.jpg) Earn 3.30% APY2 with Flagstar Performance Savings Grow your money with a great savings rate.](https:\/\/www.flagstar.com\/personal\/bank\/savings\/performance-savings.html)\n\n1http:\/\/www.usfinancialcapability.org\/downloads\/NFCS\\_2015\\_Report\\_Natl\\_Findings.pdf\n\n2https:\/\/www.thebalance.com\/what-is-budget-billing-2385943\n\nAbout Us\n\n[About Flagstar](https:\/\/www.flagstar.com\/about-flagstar.html)\n\n[Media Inquires](https:\/\/www.flagstar.com\/about-flagstar\/media-inquiries.html)\n\n[Flagstar Foundation](https:\/\/www.flagstar.com\/about-flagstar\/flagstar-foundation.html)\n\n[Vendor Opportunity](https:\/\/www.flagstar.com\/about-flagstar\/vendor-opportunity.html)\n\n[Payer Transparency-MRFs](https:\/\/www.cigna.com\/legal\/compliance\/machine-readable-files?\/sb)\n\n[CRA Public File](https:\/\/www.flagstar.com\/about-flagstar\/community-involvement\/cra-public-file.html)\n\nInvestor Relations\n\n[Company Overview](https:\/\/ir.mynycb.com\/Home\/default.aspx)\n\nCareers\n\n[Careers](https:\/\/careers.flagstar.com\/)\n\nSecurity\n\n[Fraud Information](https:\/\/www.flagstar.com\/fraud-information-center.html)\n\n[Reporting Fraud](https:\/\/www.flagstar.com\/fraud-information-center\/reporting-fraud.html)\n\n[Privacy Notice](https:\/\/www.flagstar.com\/content\/dam\/flagstar\/pdfs\/about-flagstar\/PrivacyPolicy.pdf)\n\n[Lost or Stolen Card](https:\/\/www.flagstar.com\/personal\/help\/support\/all-faqs\/banking-faqs.html#accordion-49ec5450e8-item-825f84a85e)\n\nSupport\n\n[Client Support](https:\/\/www.flagstar.com\/personal\/help\/support.html)\n\n[![Link to Flagstar Facebook Page](https:\/\/www.flagstar.com\/content\/dam\/newco\/footer\/facebook.png)](https:\/\/facebook.com\/flagstarbank)   [![Link to Flagstar Twitter Page](https:\/\/www.flagstar.com\/content\/dam\/newco\/footer\/twitter.png)](https:\/\/twitter.com\/flagstar)   [![Link to Flagstar LinkedIn Page](https:\/\/www.flagstar.com\/content\/dam\/newco\/footer\/linkedin.png)](https:\/\/www.linkedin.com\/company\/flagstar-bank)\n\n- [Privacy](https:\/\/www.flagstar.com\/legal-disclaimers\/privacy.html)\n- [CCPA Privacy Notice](https:\/\/www.flagstar.com\/legal-disclaimers\/ccpa-privacy-notice.html)\n- [Do Not Sell or Share My Personal Information](https:\/\/www.flagstar.com\/legal-disclaimers\/do-not-sell-or-share-my-information.html)\n- [Terms of Use](https:\/\/www.flagstar.com\/legal-disclaimers\/terms-of-use.html)\n- [Site Map](https:\/\/www.flagstar.com\/personal\/help\/support\/sitemap.html)\n- [Español](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/budgeting-and-savings\/money-saving-tips.html)\n  [English](https:\/\/www.flagstar.com\/personal\/learn\/learning-hub\/budgeting-and-savings\/money-saving-tips.html)\n\n© 2026 Flagstar Bank, N.A. Member FDIC. All rights reserved. Equal Housing Lender","attrs_readable_markdown":"## No matter where you are on your financial journey, it’s important to have money saved away.\nAt Flagstar Bank, we want you to feel empowered and capable of reaching your financial goals. Below are a few tips we’ve compiled to help you get started.\n\n##### Why Budget?\nFor many people, budgets are essential to keeping track of finances, paying down debts, and saving for the future. Crafting a budget can give you needed insight into spending patterns, so you can more effectively utilize your hard-earned income. It can also serve as a money saving plan, which ensures you only spend on what you need, so you can save the rest for a larger purchase, retirement, or an unplanned emergency expense.\n\n##### How to Make a Budget\nWhile there are many kinds of budgeting programs, books, and methods available, each involves a few key components. Every budget must involve your income—all of it, including side businesses and gigs—and your expenses.\n\n##### Getting Started: Five Ways to Budget\nBelow is a list of a few of the most common budgeting methods. However, every person’s preferred method of budgeting is different; it may be necessary to experiment with different techniques to find what works best for you.\n\n1. **Manual:**Write down each transaction to weigh against your bank account. Some people use a dedicated notebook, others create a digital spreadsheet.\n2. **Envelopes:** Label a series of envelopes with each category of expenses. Then, place an amount of cash in the envelope. When the cash runs out, so does your spending.\n3. 50 30 20 rule: This method suggests that 50% of your income should go to needs, 30% to wants, and 20% to repaying debt and\/or savings.\n4. **Zero-sum budget:** This method relies on every single cent being assigned to a certain expenditure, zeroing out your account each month.\n5. **Applications:**Many apps make it easy for you to track spending. Some even draw up specific budgeting techniques, while others simply categorize and track for you.\n##### A Few Money Saving Tips\nOnce you’ve set your budget, there are other complementary ways to save money that can help boost your saving power. Here are five to get the ball rolling.\n\n1. **Investigate bills:**Paying for three streaming services but only use one? Signed up for that newsletter you never read? Cancel unnecessary subscriptions to ensure you’re only spending on what’s important.\n2. **Use cash for problem categories:**[Research](http:\/\/www.usfinancialcapability.org\/downloads\/NFCS_2015_Report_Natl_Findings.pdf?\/sb) from a study at the Massachusetts Institute of Technology showed that shoppers spend twice as much when using credit cards.1 If you find yourself constantly overshooting your grocery budget, try withdrawing a set amount of cash for the month to use.\n3. **Budget billing:** Many utility companies offer [a]() [budget billing option](),2 which averages your bill based on the past year’s usage to create a fixed monthly payment. Not only will you know exactly what you’re paying each month, but you’ll potentially save on heating and cooling costs at peak season.\n4. **Automate your savings:** Many payroll services offer direct deposit across multiple accounts, including savings. This means you can set aside your savings before you even have the chance to spend. Check with your employer to see what’s available.\n5. **Keep at it:** If you’re struggling to stay committed, you may need to reevaluate your mindset or method. Remember that budgets are designed to work with you—not against you—so don’t be afraid to be flexible and change things up until you find what works best for you.\n##### No matter what you’re saving for, we’re in your corner.\nAt Flagstar Bank, you’ll have a banker by your side to guide you in any saving endeavor. We can tailor your money budget to your needs, and provide money saving tips you may not discover on your own.\n\n[Find a branch](https:\/\/www.flagstar.com\/location.html) or [Learn more about saving with Flagstar](https:\/\/www.flagstar.com\/personal\/bank\/savings.html)","meta_canonical":null}

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URL	https://www.flagstar.com/personal/learn/learning-hub/budgeting-and-savings/money-saving-tips.html
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Meta Title	Money Saving Tips: Ways to Save Money \| Flagstar
Meta Description	No matter what your budget is, there are always different ways to save money. Start working towards your future with these budgeting tips from Flagstar.
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Boilerpipe Text	No matter where you are on your financial journey, it’s important to have money saved away. At Flagstar Bank, we want you to feel empowered and capable of reaching your financial goals. Below are a few tips we’ve compiled to help you get started. Why Budget? For many people, budgets are essential to keeping track of finances, paying down debts, and saving for the future. Crafting a budget can give you needed insight into spending patterns, so you can more effectively utilize your hard-earned income. It can also serve as a money saving plan, which ensures you only spend on what you need, so you can save the rest for a larger purchase, retirement, or an unplanned emergency expense. How to Make a Budget While there are many kinds of budgeting programs, books, and methods available, each involves a few key components. Every budget must involve your income—all of it, including side businesses and gigs—and your expenses. Getting Started: Five Ways to Budget Below is a list of a few of the most common budgeting methods. However, every person’s preferred method of budgeting is different; it may be necessary to experiment with different techniques to find what works best for you. Manual: Write down each transaction to weigh against your bank account. Some people use a dedicated notebook, others create a digital spreadsheet. Envelopes: Label a series of envelopes with each category of expenses. Then, place an amount of cash in the envelope. When the cash runs out, so does your spending. 50 30 20 rule: This method suggests that 50% of your income should go to needs, 30% to wants, and 20% to repaying debt and/or savings. Zero-sum budget: This method relies on every single cent being assigned to a certain expenditure, zeroing out your account each month. Applications: Many apps make it easy for you to track spending. Some even draw up specific budgeting techniques, while others simply categorize and track for you. A Few Money Saving Tips Once you’ve set your budget, there are other complementary ways to save money that can help boost your saving power. Here are five to get the ball rolling. Investigate bills: Paying for three streaming services but only use one? Signed up for that newsletter you never read? Cancel unnecessary subscriptions to ensure you’re only spending on what’s important. Use cash for problem categories: Research from a study at the Massachusetts Institute of Technology showed that shoppers spend twice as much when using credit cards. 1 If you find yourself constantly overshooting your grocery budget, try withdrawing a set amount of cash for the month to use. Budget billing: Many utility companies offer a budget billing option , 2 which averages your bill based on the past year’s usage to create a fixed monthly payment. Not only will you know exactly what you’re paying each month, but you’ll potentially save on heating and cooling costs at peak season. Automate your savings: Many payroll services offer direct deposit across multiple accounts, including savings. This means you can set aside your savings before you even have the chance to spend. Check with your employer to see what’s available. Keep at it: If you’re struggling to stay committed, you may need to reevaluate your mindset or method. Remember that budgets are designed to work with you—not against you—so don’t be afraid to be flexible and change things up until you find what works best for you. No matter what you’re saving for, we’re in your corner. At Flagstar Bank, you’ll have a banker by your side to guide you in any saving endeavor. We can tailor your money budget to your needs, and provide money saving tips you may not discover on your own. Find a branch or Learn more about saving with Flagstar
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[Learn more](https://www.flagstar.com/personal/invest/about-flagstar-wealth-services.html) [FINRA Broker Check](http://brokercheck.finra.org/?/sb) ![employee talking to client](https://www.flagstar.com/content/dam/newco/global-navigation-icons/icon-card_flagstar-wealth-services.svg) Flagstar Wealth Services ![pie chart with a dollar sign in the middle](https://www.flagstar.com/content/dam/newco/global-navigation-icons/icon-card_financial-solutions.svg) Financial Solutions ![computer screen with dollar sign](https://www.flagstar.com/content/dam/newco/small-business/icons/icon-card_online-banking.svg) LPL Account Access - Flagstar Wealth Services - [Client Missions](https://www.flagstar.com/personal/invest/mission.html) - [Guiding Process](https://www.flagstar.com/personal/invest/our-process.html) - [Our Services](https://www.flagstar.com/personal/invest/our-services.html) - [About Flagstar Wealth Services](https://www.flagstar.com/personal/invest/about-flagstar-wealth-services.html) - Financial Solutions - [Financial Planning](https://www.flagstar.com/personal/invest/financial-planning.html) - [Investment Management](https://www.flagstar.com/personal/invest/investment-management.html) - [Insurance Strategies](https://www.flagstar.com/personal/invest/insurance-strategies.html) - LPL Account Access - [MyAccountView](https://myaccountviewonline.com/) - [TradeDirect](https://www.flagstar.com/redirects/tp/trade-direct.html) \Investment products are not insured by the FDIC, are not deposits, and may lose value - Learn Let's be smarter with money Making good choices starts with knowing the basics and crunching the numbers. 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[Get started](https://www.flagstar.com/personal/bank/savings/certificate-of-deposit-accounts.html) ![Two adults smiling and talking in front of a building with arched windows.](https://www.flagstar.com/content/experience-fragments/newco/en/site/login/nav-third-party-links/_jcr_content/root/login_copy/par/container_copy_copy_/container_copy_66178/flexcontainer_copy/flexItems/image.coreimg.jpeg/1775062156388/mega-menu-cd2-369x250.jpeg) RESOURCES [![play button](https://www.flagstar.com/content/dam/newco/customer-support/icons/play-button_video-demo.svg) Online Banking at a Glance](https://www.flagstar.com/personal/help/support/online-banking-demos/online-banking-overview.html) [![play button](https://www.flagstar.com/content/dam/newco/customer-support/icons/play-button_video-demo.svg) How to reset your password](https://www.flagstar.com/personal/help/support/online-banking-demos/how-to-reset-your-password.html) [![play button](https://www.flagstar.com/content/dam/newco/customer-support/icons/play-button_video-demo.svg) Get started with Bill Pay](https://www.flagstar.com/personal/help/support/online-banking-demos/how-to-get-started-with-bill-pay.html) Lock in a CD rate up to 3\.80% APY1 Open your CD today and start your year of certainty. [Get started](https://www.flagstar.com/personal/bank/savings/certificate-of-deposit-accounts.html) ![Two adults smiling and talking in front of a building with arched windows.](https://www.flagstar.com/content/experience-fragments/newco/en/site/login/certificate-of-deposit/_jcr_content/root/container_copy_copy_/container_copy_661787170/flexcontainer_copy_c/flexItems/image.coreimg.jpeg/1775062156388/mega-menu-cd2-369x250.jpeg) RESOURCES [![play button](https://www.flagstar.com/content/dam/newco/customer-support/icons/play-button_video-demo.svg) Online Banking at a Glance](https://www.flagstar.com/personal/help/support/online-banking-demos/online-banking-overview.html) [![play button](https://www.flagstar.com/content/dam/newco/customer-support/icons/play-button_video-demo.svg) How to reset your password](https://www.flagstar.com/personal/help/support/online-banking-demos/how-to-reset-your-password.html) [![play button](https://www.flagstar.com/content/dam/newco/customer-support/icons/play-button_video-demo.svg) Get started with Bill Pay](https://www.flagstar.com/personal/help/support/online-banking-demos/how-to-get-started-with-bill-pay.html) Recommended for you [![Desktop and mobile phone with dollar signs](https://www.flagstar.com/content/dam/newco/personal/banking/icons/icon-card_convenient.svg) MyLoans at a glance Manage your loan at your convenience with our easy to use online service center.](https://www.flagstar.com/personal/borrow/home-loans/myloans.html) [![Finger pushing a button](https://www.flagstar.com/content/dam/newco/personal/banking/icons/icon-card_sign-up.svg) Sign-up for MyLoans Enroll today and enjoy 24/7 access to all your loan servicing needs.](https://www.flagstar.com/redirects/tp/myloans-sign-up.html) Recommended for you [![icon of credit card with a dollar sign](https://www.flagstar.com/content/dam/newco/personal/banking/icons/icon-card_no-overdraft-fees.svg) Credit Card Payment Calculator What will it take to pay off my credit card balance?](https://www.flagstar.com/personal/learn/calculators/debt/credit-card-payoff.html) [![Icon of card overlaying phone](https://www.flagstar.com/content/dam/newco/icons/icon-card_mobile-debit-card.svg) Explore Flagstar Ready Checking A checking account that is ready for whatever is around the corner.](https://www.flagstar.com/personal/bank/checking/ready-checking.html) Recommended for you [![Shield with money sign](https://www.flagstar.com/content/dam/newco/personal/investing/icons/icon-card_universal-life-insurance.svg) Looking for increased FDIC insurance coverage? 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Learn about getting increased FDIC insurance coverage in excess of the standard deposit insurance coverage.](https://www.flagstar.com/private-bank/client-solutions/client-solutions/deposit-insurance-services.html) [![Bag of money](https://www.flagstar.com/content/dam/newco/small-business/icons/icon-card_business-savings.svg) Save more with Business Solutions Savings Build your business savings here and be prepared for whatever comes your way.](https://www.flagstar.com/small-business/bank/business-savings/business-solutions-savings.html) [Flagstar Corporate Connect™ at a glance](https://www.flagstar.com/small-business/help/small-business-support/corporate-connect-demos/corporate-connect-at-a-glance.html) [First-time Flagstar Corporate Connect™ login](https://www.flagstar.com/small-business/help/small-business-support/corporate-connect-demos/first-time-logging-in-to-corporate-connect.html) [How-to set up ACH payments](https://www.flagstar.com/small-business/help/small-business-support/corporate-connect-demos/setting-up-ach-payments.html) Recommended for you [![Shield with money sign](https://www.flagstar.com/content/dam/newco/personal/investing/icons/icon-card_universal-life-insurance.svg) Looking for increased FDIC insurance coverage? 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The site you are going to may have different privacy and security policies. We recommend that you review these policies on the linked site. If you choose to proceed, a new browser window will open. To return to flagstar.com, close the new browser window. [Continue](https://www.flagstar.com/personal/learn/learning-hub/budgeting-and-savings/money-saving-tips.html) 1. [Personal](https://www.flagstar.com/) 2. [Learn](https://www.flagstar.com/personal/learn.html) 3. [Education and Tools](https://www.flagstar.com/personal/learn/learning-hub.html) 4. [Budgeting and Saving](https://www.flagstar.com/personal/learn/learning-hub/budgeting-and-savings.html) 5. Budgeting Tips to Save Money BUDGETING AND SAVING # Budgeting tips to save money ![Image of person sitting in kitchen with computer and hands behind head](https://www.flagstar.com/personal/learn/learning-hub/budgeting-and-savings/money-saving-tips/_jcr_content/root/parsys/container_776033217_/container/flexcontainer/flexItems/container/image.coreimg.jpeg/1750962312345/hero-4-money-saving-tips.jpeg) ## No matter where you are on your financial journey, it’s important to have money saved away. At Flagstar Bank, we want you to feel empowered and capable of reaching your financial goals. Below are a few tips we’ve compiled to help you get started. ##### Why Budget? For many people, budgets are essential to keeping track of finances, paying down debts, and saving for the future. Crafting a budget can give you needed insight into spending patterns, so you can more effectively utilize your hard-earned income. It can also serve as a money saving plan, which ensures you only spend on what you need, so you can save the rest for a larger purchase, retirement, or an unplanned emergency expense. ##### How to Make a Budget While there are many kinds of budgeting programs, books, and methods available, each involves a few key components. Every budget must involve your income—all of it, including side businesses and gigs—and your expenses. ##### Getting Started: Five Ways to Budget Below is a list of a few of the most common budgeting methods. However, every person’s preferred method of budgeting is different; it may be necessary to experiment with different techniques to find what works best for you. 1. Manual:Write down each transaction to weigh against your bank account. Some people use a dedicated notebook, others create a digital spreadsheet. 2. Envelopes: Label a series of envelopes with each category of expenses. Then, place an amount of cash in the envelope. When the cash runs out, so does your spending. 3. 50 30 20 rule: This method suggests that 50% of your income should go to needs, 30% to wants, and 20% to repaying debt and/or savings. 4. Zero-sum budget: This method relies on every single cent being assigned to a certain expenditure, zeroing out your account each month. 5. Applications:Many apps make it easy for you to track spending. Some even draw up specific budgeting techniques, while others simply categorize and track for you. ##### A Few Money Saving Tips Once you’ve set your budget, there are other complementary ways to save money that can help boost your saving power. Here are five to get the ball rolling. 1. Investigate bills:Paying for three streaming services but only use one? Signed up for that newsletter you never read? Cancel unnecessary subscriptions to ensure you’re only spending on what’s important. 2. Use cash for problem categories:[Research](http://www.usfinancialcapability.org/downloads/NFCS_2015_Report_Natl_Findings.pdf?/sb) from a study at the Massachusetts Institute of Technology showed that shoppers spend twice as much when using credit cards.1 If you find yourself constantly overshooting your grocery budget, try withdrawing a set amount of cash for the month to use. 3. Budget billing: Many utility companies offer [a]() [budget billing option](),2 which averages your bill based on the past year’s usage to create a fixed monthly payment. Not only will you know exactly what you’re paying each month, but you’ll potentially save on heating and cooling costs at peak season. 4. Automate your savings: Many payroll services offer direct deposit across multiple accounts, including savings. This means you can set aside your savings before you even have the chance to spend. Check with your employer to see what’s available. 5. Keep at it: If you’re struggling to stay committed, you may need to reevaluate your mindset or method. Remember that budgets are designed to work with you—not against you—so don’t be afraid to be flexible and change things up until you find what works best for you. ##### No matter what you’re saving for, we’re in your corner. At Flagstar Bank, you’ll have a banker by your side to guide you in any saving endeavor. We can tailor your money budget to your needs, and provide money saving tips you may not discover on your own. [Find a branch](https://www.flagstar.com/location.html) or [Learn more about saving with Flagstar](https://www.flagstar.com/personal/bank/savings.html) ## Find the account that’s right for you COMPARE ![Mobile phone and check](https://www.flagstar.com/content/dam/newco/icons/icon-card_mobile-check-deposit.svg) ### Savings Accounts Explore our online savings account options and discover a simple way to grow your savings. 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Warm lighting and relaxed atmosphere highlight convenience and comfort of secure digital financial management from anywhere.](https://www.flagstar.com/content/dam/newco/personal/banking/card-images/card_performance-savings9.jpg) Earn 3.30% APY2 with Flagstar Performance Savings Grow your money with a great savings rate.](https://www.flagstar.com/personal/bank/savings/performance-savings.html) 1http://www.usfinancialcapability.org/downloads/NFCS\_2015\_Report\_Natl\_Findings.pdf 2https://www.thebalance.com/what-is-budget-billing-2385943 About Us [About Flagstar](https://www.flagstar.com/about-flagstar.html) [Media Inquires](https://www.flagstar.com/about-flagstar/media-inquiries.html) [Flagstar Foundation](https://www.flagstar.com/about-flagstar/flagstar-foundation.html) [Vendor Opportunity](https://www.flagstar.com/about-flagstar/vendor-opportunity.html) [Payer Transparency-MRFs](https://www.cigna.com/legal/compliance/machine-readable-files?/sb) [CRA Public File](https://www.flagstar.com/about-flagstar/community-involvement/cra-public-file.html) Investor Relations [Company Overview](https://ir.mynycb.com/Home/default.aspx) Careers [Careers](https://careers.flagstar.com/) Security [Fraud Information](https://www.flagstar.com/fraud-information-center.html) [Reporting Fraud](https://www.flagstar.com/fraud-information-center/reporting-fraud.html) [Privacy Notice](https://www.flagstar.com/content/dam/flagstar/pdfs/about-flagstar/PrivacyPolicy.pdf) [Lost or Stolen Card](https://www.flagstar.com/personal/help/support/all-faqs/banking-faqs.html#accordion-49ec5450e8-item-825f84a85e) Support [Client Support](https://www.flagstar.com/personal/help/support.html) [![Link to Flagstar Facebook Page](https://www.flagstar.com/content/dam/newco/footer/facebook.png)](https://facebook.com/flagstarbank) [![Link to Flagstar Twitter Page](https://www.flagstar.com/content/dam/newco/footer/twitter.png)](https://twitter.com/flagstar) [![Link to Flagstar LinkedIn Page](https://www.flagstar.com/content/dam/newco/footer/linkedin.png)](https://www.linkedin.com/company/flagstar-bank) - [Privacy](https://www.flagstar.com/legal-disclaimers/privacy.html) - [CCPA Privacy Notice](https://www.flagstar.com/legal-disclaimers/ccpa-privacy-notice.html) - [Do Not Sell or Share My Personal Information](https://www.flagstar.com/legal-disclaimers/do-not-sell-or-share-my-information.html) - [Terms of Use](https://www.flagstar.com/legal-disclaimers/terms-of-use.html) - [Site Map](https://www.flagstar.com/personal/help/support/sitemap.html) - [Español](https://www.flagstar.com/personal/learn/learning-hub/budgeting-and-savings/money-saving-tips.html) [English](https://www.flagstar.com/personal/learn/learning-hub/budgeting-and-savings/money-saving-tips.html) © 2026 Flagstar Bank, N.A. 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Readable Markdown	## No matter where you are on your financial journey, it’s important to have money saved away. At Flagstar Bank, we want you to feel empowered and capable of reaching your financial goals. Below are a few tips we’ve compiled to help you get started. ##### Why Budget? For many people, budgets are essential to keeping track of finances, paying down debts, and saving for the future. Crafting a budget can give you needed insight into spending patterns, so you can more effectively utilize your hard-earned income. It can also serve as a money saving plan, which ensures you only spend on what you need, so you can save the rest for a larger purchase, retirement, or an unplanned emergency expense. ##### How to Make a Budget While there are many kinds of budgeting programs, books, and methods available, each involves a few key components. Every budget must involve your income—all of it, including side businesses and gigs—and your expenses. ##### Getting Started: Five Ways to Budget Below is a list of a few of the most common budgeting methods. However, every person’s preferred method of budgeting is different; it may be necessary to experiment with different techniques to find what works best for you. 1. Manual:Write down each transaction to weigh against your bank account. Some people use a dedicated notebook, others create a digital spreadsheet. 2. Envelopes: Label a series of envelopes with each category of expenses. Then, place an amount of cash in the envelope. When the cash runs out, so does your spending. 3. 50 30 20 rule: This method suggests that 50% of your income should go to needs, 30% to wants, and 20% to repaying debt and/or savings. 4. Zero-sum budget: This method relies on every single cent being assigned to a certain expenditure, zeroing out your account each month. 5. Applications:Many apps make it easy for you to track spending. Some even draw up specific budgeting techniques, while others simply categorize and track for you. ##### A Few Money Saving Tips Once you’ve set your budget, there are other complementary ways to save money that can help boost your saving power. Here are five to get the ball rolling. 1. Investigate bills:Paying for three streaming services but only use one? Signed up for that newsletter you never read? Cancel unnecessary subscriptions to ensure you’re only spending on what’s important. 2. Use cash for problem categories:[Research](http://www.usfinancialcapability.org/downloads/NFCS_2015_Report_Natl_Findings.pdf?/sb) from a study at the Massachusetts Institute of Technology showed that shoppers spend twice as much when using credit cards.1 If you find yourself constantly overshooting your grocery budget, try withdrawing a set amount of cash for the month to use. 3. Budget billing: Many utility companies offer [a]() [budget billing option](),2 which averages your bill based on the past year’s usage to create a fixed monthly payment. Not only will you know exactly what you’re paying each month, but you’ll potentially save on heating and cooling costs at peak season. 4. Automate your savings: Many payroll services offer direct deposit across multiple accounts, including savings. This means you can set aside your savings before you even have the chance to spend. Check with your employer to see what’s available. 5. Keep at it: If you’re struggling to stay committed, you may need to reevaluate your mindset or method. Remember that budgets are designed to work with you—not against you—so don’t be afraid to be flexible and change things up until you find what works best for you. ##### No matter what you’re saving for, we’re in your corner. At Flagstar Bank, you’ll have a banker by your side to guide you in any saving endeavor. We can tailor your money budget to your needs, and provide money saving tips you may not discover on your own. [Find a branch](https://www.flagstar.com/location.html) or [Learn more about saving with Flagstar](https://www.flagstar.com/personal/bank/savings.html)
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